The Facility Agreement Template serves as a comprehensive framework for documenting loan arrangements under English and Welsh law. It is typically used when a lender extends credit facilities to a borrower, whether for general corporate purposes, acquisitions, real estate development, or other commercial activities. The template includes essential provisions required by UK financial services regulations and market practice, covering everything from facility terms to security arrangements. This document type is particularly important in commercial lending transactions where clear documentation of obligations, rights, and remedies is crucial for all parties involved.
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1. Parties: Identification of lender(s), borrower(s), and any guarantors
2. Background: Context of the facility and purpose of the loan
3. Definitions: Key terms used throughout the agreement including relevant legislation references
4. Facility: Details of the loan amount, purpose, and availability
5. Interest: Interest rate, calculation method, and payment terms
6. Repayment: Repayment schedule and terms
7. Representations and Warranties: Statements of fact by the borrower including compliance with relevant legislation
8. Covenants: Ongoing obligations of the borrower including regulatory compliance requirements
9. Events of Default: Circumstances triggering default and remedies
1. Security: Details of any security arrangements - required when the facility is secured
2. Guarantees: Terms of any guarantees provided - required when guarantors are involved
3. Syndication Provisions: Terms for multiple lenders - required for syndicated facilities
4. Consumer Protection Provisions: Additional protections required under Consumer Credit Act - required for consumer lending
1. Schedule 1 - Conditions Precedent: Documents and conditions required before drawdown
2. Schedule 2 - Form of Drawdown Notice: Template for requesting loan disbursements
3. Schedule 3 - Repayment Schedule: Detailed payment dates and amounts
4. Schedule 4 - Form of Transfer Certificate: Template for transferring loan participations in transferable facilities
5. Schedule 5 - Form of Compliance Certificate: Template for periodic confirmation of compliance with agreement terms
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